Call reports 2007
BANK NORTH — 2007
What BANK NORTH reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 110,513,000 | 109,654,000 | 111,543,000 | 109,576,000 |
| Total loans | 72,454,000 | 74,952,000 | 75,668,000 | 77,119,000 |
| Allowance for loan losses | 832,000 | 838,000 | 838,000 | 836,000 |
| Securities available for sale | 28,113,000 | 26,775,000 | 26,762,000 | 26,121,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,066,000 | 89,675,000 | 92,051,000 | 89,785,000 |
| Interest-bearing deposits | 77,450,000 | 74,486,000 | 78,102,000 | 75,953,000 |
| Noninterest-bearing deposits | 15,616,000 | 15,189,000 | 13,949,000 | 13,832,000 |
| Equity capital | 11,597,000 | 11,452,000 | 11,822,000 | 11,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,611,000 | 3,228,000 | 5,051,000 | 6,765,000 |
| Interest expense | 794,000 | 1,552,000 | 2,356,000 | 3,132,000 |
| Net interest income | 817,000 | 1,676,000 | 2,695,000 | 3,633,000 |
| Noninterest income | 93,000 | 198,000 | 311,000 | 426,000 |
| Noninterest expense | 823,000 | 1,654,000 | 2,472,000 | 3,301,000 |
| Provision for loan losses | 6,000 | 13,000 | 12,000 | 12,000 |
| Pretax income | 81,000 | 207,000 | 522,000 | 746,000 |
| Income tax | -38,000 | -51,000 | 10,000 | 37,000 |
| Net income | 119,000 | 258,000 | 512,000 | 709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,519,000 | 11,574,000 | 11,732,000 | 11,491,000 |
| Total capital | 12,351,000 | 12,412,000 | 12,570,000 | 12,327,000 |
| Risk-weighted assets | 68,579,000 | 69,945,000 | 72,005,000 | 72,376,000 |